Need to build an emergency fund but horrible at keeping a budget? Financial weblog Live Real, Now recommends rounding deposits down and expenses up to create room for error in your checking account.

Live Real, Now recommends rounding down each deposit by $50 and rounding each expense up by $10. The weblog refers to this as the "Sloppy Math System'. It definitely wouldn't work for everyone (especially if you have multiple two-dollar or less transactions) but if your idea of budgeting is looking at your checkbook register to see if you can go out to dinner with your friends, it may help you save toward an emergency fund, vacation fund, or any other middle-term savings goal.

In a sense tips like this are no different than putting all your leftover coins and one-dollar bills in a jar when you come home in that they are minor financial tweaks that won't rebuild your financial outlook but they can help move you in the right direction so you're meeting your goals and now blowing a third of your pay on lattes and smokes.